Colorado Federal Savings Bank: Savings Accounts & Rates
Mission: Banksparency aims to make Colorado Federal Savings Bank's savings accounts transparent and comparable to the market.
Analysis of Colorado Federal Savings Bank
Our verdict
Colorado Federal Savings Bank offers Premier Savings, a high-yield savings account paying 3.85% APY with a $50,000 minimum deposit. A minimum balance of $50,000 is required to earn this rate.
At 3.85% APY, Colorado Federal Savings Bank pays 10x the national average (0.39%). Ranks in the top tier of 98+ accounts tracked.
Colorado Federal Savings Bank also offers High Yield Savings at 3.80% APY — a lower rate.
Ideal User Profile
- Best for: simple saving without extra requirements and banking without needing a branch.
Important Considerations
Key Differentiators
- Stands out with A+ BBB rating.
Savings Overview
Premier Savings
High Yield Savings
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.07% APY.
Bank Overview
- HQ LocationGreenwood Village, Colorado
- Founded1990
- Ratings & Trust
- Zelle® SupportNo SupportStandard ACH or Wire transfers only.
- Deposit InsuranceFDIC Insured(Cert: 33111)
Savings Accounts: In-Depth View
Savings Accounts Offered by Colorado Federal Savings Bank
| Feature | High Yield Savings | Premier Savings |
|---|---|---|
APY | 3.80%Verified: 4/21/2026 | 3.85%Verified: 4/21/2026 |
APY Trend | Rate Adjusted -0.20% Since 90 days ago | Rate Adjusted -0.20% Since 90 days ago |
Min. Deposit | $1 | $50,000 |
Min. Balance | $1 | $50,000 |
Monthly Fee | $0 | $0 |
Direct Deposit | None | None |
Checking Bundle | No | No |
Branch Access | None | None |
Compounding | Daily | Daily |
FDIC Insured | Yes | Yes |
Eligibility | United States | United States |
| Next Steps | - | - |
Calculate Savings for Colorado Federal Savings Bank
Savings Breakdown
- Interest Earned+$11,693.70(15.7%)
- Total Contributions$13,000
- Initial Deposit$50,000
Projected Balance
$74,693.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Colorado Federal Savings Bank Savings Rates Over Time
Historical APY Insights
Last 12 Months| Metric | Premier Savings | High Yield Savings |
|---|---|---|
Latest APY | 3.85% | 3.80% |
Trend | Sideways | Sideways |
Slope (bps/mo) | -3.3 | -3.3 |
Rate Changes / Mo | 0.25 | 0.25 |
Days Since Last Change | 42 | 42 |
High (-12m) | 4.25% | 4.20% |
Low (-12m) | 3.85% | 3.80% |
Draw-down | -9.4% | -9.5% |
Volatility (CV) | 0.030 | 0.031 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 365-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with Colorado Federal Savings Bank
| Feature | Current View Colorado Federal Savings Bank | Empty Slot |
|---|---|---|
| Product | - | |
APY | 3.85%Verified: 4/21/2026 | - |
APY Trend | Rate Adjusted -0.20% Since 90 days ago | - |
| Min. Deposit | $50,000 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Alternatives to Colorado Federal Savings Bank
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